Independent Contractor

FOR THE SELF-EMPLOYED

Being your own boss has its ups and downs. As an independent contractor, you must take serious legal risk. Lawsuits against independent contractors are becoming more common, especially considering that employers of independent contractors are generally NOT held vicariously liable for the acts or omissions of the contractor. It is important to note that attorneys are highly skilled and trained in finding insurance policy exclusions. Many independent contractors, whether providing professional business services or specialized construction trades, wisely protect themselves with general liability insurance.

Many independent contractors, whether providing professional business services or specialized construction trades, wisely protect themselves with general liability insurance. But, what happens when a legal judgment exceeds the limits of these policies? In many cases, frivolous claims may qualify as exclusions in your traditional business insurance policies.

Questions to consider:

Could your business survive spending the amount of time and money necessary to defend yourself in a lawsuit?

More often than not, the answer is no. As an independent contractor, your time can be your most valuable asset.

Questions to consider:

Do your client contracts address all unforeseen complications

No matter how well you plan ahead, it’s almost impossible to prepare for all future issues that may arise.

Know the Facts

Over 10 million workers (about 7.4 percent of the U.S. workforce) classify as independent contractors.

Nearly 8 in 10 independent workers have faced client nonpayment in their careers

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

Ready to Apply

You may submit an application online using the GET A QUOTE button below, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.